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    • Looking for a bit of advice on an possible malicious or fraudulent claim.   I received a letter today from my insurance company regarding an alleged incident three months ago and stating I had five days to respond or my no claims bonus could be affected if they settled the claim. It gave a date and postal code for the incident. I rung the insurance company and said I had not been involved in an incident on the day in question and was not even in the area. I am absolutely clear on this although the area is only about 15 miles from my home, it was Easter Monday and I know exactly where I was that day. I asked about the incident and was told that my vehicle had reversed into another car outside a shop. There are no shops in the area, it is purely rural farmland (so no CCTV obviously).   The insurance company said they would note my response and send to the claimants insurance company but would need to send an assessor out to take photos of my vehicle for any damage. My vehicle has no damage to the rear but does have a dent to the door from a collision with a deer that I have never done anything about.   My questions are ;   How did the claimant obtain my insurance details ? Does my insurer have to provide me with details of who the claimant is ? Could the dented door cause a problem because I didn't report it ? It is very obvious it is not damage from reversing into someone else. If I had been away on holiday and hadn't responded, would this claim just have been paid without me knowing about it resulting in loss of NCB ?  
    • It doesn’t say FINE anywhere on the documentation.    I don’t have the facility to scan the document, is there something in particular that you need to see? I can explain what is on there.    Thsnks 
    • CASE DISMISSED!!!   Thank you so much for all your help guys! Couldn't have done it without you!!! - donation on it's way (just waiting for some money to come in next week!)   That was pretty nerve wracking, I must say, but once I got into the flow of things, everything went well. Didn't help my nerves that the PRA rep was 30mins late!! Was hard to gauge the judge initially, but once I realised that she was well versed in the legislation and seemed to hold it in high esteem, I felt confident and the nerves dissipated a bit (lucked out there from what I hear from other horror stories!). She pretty much agreed with everything that I had said, and even highlighted things that I had thought about mentioning but didn't in the end, although she wasn't interested in my use of PRA v Mr Segal as it wasn't directly relevant; I knew this, but that wasn't why I was using it! I tried just once to explain my reasoning, but realised that the judge was ultimately for my case and so yielded quickly on that, rather than get her back up!   The best part was when the rep knew that case wasn't going his way, he then reverted to desperate tactics and referred to the fact that I was a day late sending the stuff to PRA and that I hadn't signed their copy; judge was not impressed with this argument at all, simply saying "Well the copy I have here was filed on time and signed". Not that that would have made a difference as by that point I had already explained my case, and she had agreed. She also had a go at them for trying to file the "response statement" without permission and disregarded it (as you thought Andy).   I felt sorry for the rep, decent bloke, very polite, asked if I had any questions for him afterwards, and kept highlighting the fact that he didn't work for PRA; think he knew it was a poor case and that he would have a hard job trying to fight it.   Something he said did concern me a lot though, and that was that he "couldn't guarantee that they wouldn't try again, either by appeal or by another claim".......not sure what this means and where it leaves me!! I questioned him about there being another claim as I don't feel that an appeal would be approved (although it could I guess!) and he seemed to think that they could come after me in a claim for arrears/interest? This threw me and ruined the feeling of joy that I momentarily had! I phoned National DebtLine to get some clarity on this and they seemed to think the same thing! Then I found this online:   "However, according to Late Payment Legislation law (see ext. link 10), a creditor is allowed to charge his debtor an interest fee, if the consumer has late payments and bad debts. I.e. a debt buyer can request an additional interest payment from his debtors as a creditor, and not as a DCA. The same late payment legislation allows such interest collection to begin after a 30-days default period." https://ecollect.co.uk/wiki/debt-collection-uk/   Found similar information on other sites and even on other threads on CAG. I know you said they couldn't add anything Andy, so now I'm confused.com!!! How can they claim for arrears or interest if the debt that said arrears/interest is based on is now deemed unenforceable by a court ruling???!!! That just seems ridiculous and means that this thing will never end!!!!!    
    • Thanks Honeybee   For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement - 5/7/19   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 11/7/19   3 Date received 16/7/19   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Y   5 Is there any photographic evidence of the event? Y   6 Have you appealed? [Y/N?] post up your appeal] N Have you had a response? [Y/N?] post it up   7 Who is the parking company? Northern Parking Services   8. Where exactly [carpark name and town] 1 Kings Manor Newcastle NE1 2ST   For either option, does it say which appeals body they operate under. BPA   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE     I do not think there is ANPR at this location but there are photos of the vehicle in a parking space The PCN has a "vehicle observed from"  date..... and time......  "to date..... time.....  
    • Hi,sorry for delay in respnse, just started a new job.   LBA here   Sports Direct 1st June 2019   Dear Sir/Madam, On 26th January 2019 I bought a pair of Phantom VSN in size 11 from Sports Direct Chingford. Please see my details of purchase below. ..... screen grab from bank statement of card payment .... On the 27th June 2019 I was surprised to see that the sole of the right boot had torn open at one of the rear studs, making the boots unusable. Please see picture below. ..... picture of torn sole of boot .... The Consumer Rights Act makes it an implied term of the contract that goods be as described, fit for purpose and of satisfactory quality.  I do not feel that an £85 pair of boots should fail after five months of being used for nothing other than their intended purpose. As you are in breach of contract I am rejecting the boots and request that you refund the sum paid to you of approximately £85 which I trust you will be able confirm from your records. I have bought a replacement pair of the same boots from your website on the 28th June 2019 as my son needed boots almost immediately, for that reason please give me a full refund of the original purchase price. I am today returning the faulty boots along with this letter to the Chingford branch of your store. If I do not receive your satisfactory proposals for settlement of my claim within 7 days of the date of this letter, I intend to issue a claim against you in the county court without further reference to you. Yours faithfully,   They replied by email to say this ............. Thank you for send your football boots for a further inspection.   I would like to advise you that on inspection it is our belief that the issue is due to wear and tear and not an inherent manufacturing fault. I appears that the stud had been caught on something which has caused it to rip apart from the sole.   Sadly, I am afraid for this reason we are on this occasion unable to offer a replacement or refund for your boots.   I have now returned your boots to you.   Apologies for any disappointment caused. Kind regards, ................ The boots arrived back to me today   I assume I now make a small claims claim?   Thanks Micky  
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SquishySquirrel

Disgusting treatment from Perfect Home

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The seizure of goods issue is a bit tricky as this is an HP contract and they can actually take the goods back without a court order. The exact law around this and how they can actually take the goods back is a bit of a mystery to me so I think it may be worth posting a question on the bailliffs forum as suggested. It is also why it is important to arrange a repayment plan if you want to keep the goods.

 

The behaviour of the staff and the problems you are having in actually agreeing a repayment proposal should be reported to Consumer Direct and TS who will record this and hopefully try and help you resolve it

 

The Head Office does not appear to have telephone contact but there is an address you can write to - it is very very difficult to find someone high up in this company who can resolve complaints however TS may be able to find someone


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no shes in the wrong

 

feel free to write a complaint to the local police station point out that if they are unable to deal with this complaint successfully then you require them to forward it to the IPCC

 

to get a baliff involved they would have to take it to court

 

as you have made efforts to pay which they have refused you have made reasonable attempts to resolve the issue so the judge is likely to laugh them out of court

 

even with a court order a baliff can only enter your home if he has previosuly been allowed in to make a list of items to take (and they are not allowed to take essential items anyway)


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Hi,

I'd just typed this out on the new thread but it disappeared...postus interuptus :-)

 

Also there's a very good thread by Lefty, here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?130871

 

(About Brighthouse but Perfect Homes is run by ex Brighthouse members on a similar model)

 

You do seem to have a lot on your plate, and I would strongly suggest that you have no further personal contact with these people. Go through the proper channels, amend and use the letters on the above thread to establish a chain of proof. KEEP EVERYTHING IN WRITING! No shop visits, no phone calls.

 

Contact Consumer Direct and Complain:

http://www.consumerdirect.gov.uk/

Finally, and most importantly, get some local help with this - make an appointment with Citizens Advice.

 

Elsa x

 

 

 

 

 

 

 


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Hi SquishySquirrel

 

Please don't start any further threads, the guys here are offering advise and it can get confusing with several threads running at once. Thank You.

 

Elsa is that Latin or Greek? 'postus interuptus' 8-)


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Morning Rebel :-)

 

Another thought for SquishySquirrel... you also have the option to take the bull by the horns and apply to the Court for a time order. That way a judge would be able to reset the payments and can alter interest / penalty payments if he sees fit.

 

 

More about it on Sequenci's excellent blog here:

 

http://www.consumeractiongroup.co.uk/forum/entry.php?186-Time-orders-A-Guide-For-The-Rest-Of-Us


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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I think contacting CAB is a very good idea and also you must contact Consumer Direct, certainly to complain and they may be able to involve Trading standards who could help.

 

CAB should be able to advise on the time order application and if you are on benefits, this would not cost anything.

 

Please remember that this is an HP contract so a bit tricky to deal with also you need to avoid PH adding all sorts of additional charges.

 

I agree that you should not be dealing with PH directly as the situation is getting out of hand and some local help is going to be of benefit


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I'm now in heaven knows how much arrears with Temple Finance (I believe it's around £150 now).

 

I have repeatedly offered to make payment arrangements with them, but they were only willing to offer me a payment freeze.

 

It was their suggestion, and I accepted, but when I filled in the forms to get this freeze, and made the first payment,

I was then informed around four days later that the freeze had been rejected bytheor head office.

 

I was also later informed by a manager that the weekly payment one makes whilst on a 'freeze' also includes a weekly administration fee for being on the payment arrangement,

something which I was not made aware of at the time.

 

I am also being charged £3 per week per agreement (I have two agreements, one for a bed and one for a mattress) for each week I am in arrears.

 

I am also still being charged a lot each week for service cover and something else.

I asked for them to be removed when I first signed up, but was told they would not remove it unless I could provide them with my full home insurance policy details

(but my insurance doesn't cover HP, and as such, I was told I had to have all of the added cover etc)

 

I have, for weeks, been offering to pay an extra £5 a week on top of my usual weekly payment, but that has not only been refused,

but with the £6 a week arrears charge, it's also pointless.

 

When Temple Finance first contacted me, I offered them £20 a week, which is my weekly payment, plus £5,

but i was told I had to pay either one payment of £130, or two payments of £65 (made within one week) or hand the bed back.

I couldn't afford either of the first two options, and I refused to hand my bed back.

 

I again offered them what they had initially offered me, that they freeze my account for 7 weeks,

I pay £20 a week for those 7 weeks, covering my arrears, and then the credit agreement continues as normal.

 

This was accepted eventually, on 12th January, I was supposed to go and sign the forms the following day,

but due to my 7 month old son being incredibly ill in hospital, I couldn't make it,

I was unable to phone them as I was in the hospital and had no credit.

 

When I spoke to them a week later, I told them what had happened, apologised, and told them I would be in the same day to sign the forms,

but before my son was even awake there was a guy from Temple Finance at the door.

(the full story is in my prev. post) after a lot of trouble with him and two very uneducated members of the local catastrophe, sorry, constabulary,

I went to the store as I'd said, and was told by the manager several things.

 

Firstly, that my account was with the DCA, and he voting work anything out with me.

 

Secondly, that there is no such thing as a tort of trespass.

 

Thirdly, that I either paid in full or gave the bed back.

 

He asked me "Can you pay now, in full" I said "No".

He then asked "Can someone come and collect the goods now?" I said "No", but reiterated my payment offer.

 

He then said "Well, you're obviously going to be unreasonably uncooperative, please leave the store" so I did.

 

I have heard nothing since,

however I have been in hospital with acute appendicitis,

so I am unsure as to whether any attempt to contact me has been made.

 

Can you please help me with which letters I need to send, and to whom I need to send them too. I would be extremely grateful. Thank you in advance. X "

 

There're a few things I was wondering.

 

Firstly, I read a post by Lefty about Brighthouse, which said that when an account is in arrears,

the insurance and whatnot cease to operate, is that the same with these cowboys, and should I make them remove the insurance etc from the total balance owed.

 

Also, HP is not covered on my home insurance, so does that mean I have to have the cover etc? Or do I still have a right to cancel it?

 

I'm going to have a look into getting a time order now.

Can anyone help with templates of letters I should send.

I'm also definitely going to contact Watchdog & Consumer Direct :)

 

Thank you all for your help so far, I feel like a weight is being lifted off of my shoulders! X

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Hi,

Have they sent you an arrears notice yet?

If so you can apply for the Time Order straight away. As you will have seen though, there is a fee but if you're on some Benefits it can be waived.

Before writing any letters I'd contact Citizens Advice on Monday, make an appointment, they can help with the Time Order and/or will sometimes negotiate with the creditor on your behalf.

Once you've done that, you can then write to PH and tell them you have an appointment with CAB re this debt. They then have to back off for 30 days to give you time to sort it out.

Once you've done that, come back and we'll help with the letter :-)

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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I agree with the above, Jacko. We value your input but do not be afraid to put this on the open forum. You will not get into trouble but using PMs is really no use at all. In my opinion Perfect Homes are a dis-functional company and in need of investigation. I am thankfully no longer a customer but have issues, not so much about their arrears process which is bad, but their failure to give me any correct information about payment, deal with errors which were their fault or even produce statements. Also the fact that everything is run in shop by ill trained people and there is no central customer care or complaints process.


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I worked for this company for 3 years, as sales & arrears x

 

 

hello jacko2011 i was wondering if you could help me please i havent paid for 9 weeks had the harrasment n threats to bring police offered a lower payment they refused what can they do now as i still have my goods

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Hi i am new to this site & i have been reading about the problems so many others seem to be having with this nightmare so called 'company' Perfect Homes. Sadly i needed a new sofa & TV i had no choice at the time but to go to Perfect Homes as it was the only way i could afford it. I paid every week on time never missed a payment, until December last year when our circumstances changed & i was unable to meet my weekly payments. That is when the phone calls started i got up to 20 calls a day from them, i refused to speak to them over the phone as i wanted everything in writing so i had some form of a log to refer to if it ever went to court.

 

I explained about my circumstances, i told them that i wanted to make weekly payments as normal but i would have to reduce the amount until i was back on my feet all of which they refused. They stated the only payments they would accept from me was the full weekly amount if i did not pay this they would not accept anything else!

 

The phone calls & letters continued they accused me of ignoring them & they accused me of not trying to making payments i repeatedly emailed them i informed them that i wanted all communication in writing from them preferably email correspondence but they continued to call me & stated that they would not communicate in writing & that if i did not pay they would take me to court. In the end i said i was happy to go to court as i could prove i had tried everything in my power to make these payments & they had refused.

 

In the end after i sent countless amounts of emails offering payment, trying to get them to communicate with me in writing they just ceased all contact with me.

 

I have had no contact with them since March this year & i have since moved home.

 

I am very concerned that i am going to end up with bailiffs turning up on my door one day demanding payment or the high court sheriffs, my question is what should i do? What is the best way forward for me in this situation? What can Perfect Homes do if anything?

 

Any help or advice anyone could give me would be greatly appreciated & i apologies for hijacking your post i just really need some advice as this is keeping me awake at night.

 

Thanks in advance :)

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Wont happpen. Perfect home etc rarely ever go to court as they wont want to show the court their behind the scenes business practices, or have to explain them if you decided to record them each time they came to your house, or the phone calls.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You need to start your own thread as this is over 3 years old and will go missed by anyone who isn't subbed to this thread.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Imperfect Homes,

 

 

Who ever calls at your home firstly must do so with your prior permission regards DCA! These idiots carry no more authority than your dustbin. They make their livings by praying on peoples bad luck and naivety. If you are constantly bombarded with nuisance calls, emails, or mail then the PFHA 1997 applies. You should video them every time they come to your door retain all emails and letters to build your case file. Once enough material has been collated then just issue Civil Proceedings against them under the CPR 1998. As some threads on here state people who have goods from either PH or BH have had issues with those items.

 

 

Sale of Goods Act 1979 specifically states that an item must be 'fit for purpose' and of 'merchantable quality'. Ergo you have the manufacturers warranty in law has to be 12 months from date of purchase or delivery. Should either PH or BH fail to address issues faulty goods. Then any Credit Agreement signed with them becomes null and void you should then cease all repayment demand a full refund of all monies paid. Neither can they start coming to your home too harass etc as there is no longer a contract with you or them. The law is quite clear on this The Unfair Terms in Consumer Contract Regulations 1999 s.6 and the Consumer Protection from Unfair Trading Regs 2008. As soon as there becomes an imbalance in a contract to the detriment of the Consumer then any contract becomes null and void and the Consumer is not legally bound by it.

 

 

They think they can just do what they! Do not let them.

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:noidea:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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:!: who woke the FOTL monkeys today?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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:!: who woke the FOTL monkeys today?

 

Not me, that's for sure! Could be overspill from GOODF.....:spit:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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